Pinay Wealth Planner

To those who are not comfortable with the volatility of Stock Market, here is a recommendation:

𝐒𝐮𝐧 𝐒𝐦𝐚𝐫𝐭𝐞𝐫 𝐋𝐢𝐟𝐞 𝐄𝐥𝐢𝐭𝐞 𝐏𝐞𝐬𝐨 𝟏𝟎
🔥Here are 7 Compelling Reasons:

1. 𝘾𝙍𝙄𝙎𝙄𝙎 𝙋𝙍𝙊𝙊𝙁 𝙇𝙞𝙛𝙚𝙩𝙞𝙢𝙚 𝙂𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚𝙙 𝘾𝙖𝙨𝙝 𝘽𝙚𝙣𝙚𝙛𝙞𝙩𝙨
▪️ As early as end of 6th year of your policy, you get to receive a Guaranteed Pay Out every other year until age 100 regardless of the economic situation

2. 𝙀𝙖𝙧𝙣 𝘿𝙄𝙑𝙄𝘿𝙀𝙉𝘿𝙎 𝙔𝙚𝙖𝙧𝙡𝙮
▪️ You will receive money if the company declares that there is a dividend

3. 𝙈𝙪𝙡𝙩𝙞 𝙂𝙚𝙣𝙚𝙧𝙖𝙩𝙞𝙤𝙣𝙖𝙡 𝘽𝙚𝙣𝙚𝙛𝙞𝙩𝙨
▪️ Even your grandchild will experience benefits

4. 𝙁𝙪𝙩𝙪𝙧𝙚 𝙍𝙚𝙖𝙙𝙮 𝘾𝙧𝙚𝙙𝙞𝙩
▪️ You can borrow money when you need money

5. 𝙁𝙪𝙩𝙪𝙧𝙚 𝙈𝙍𝙄 𝙁𝙤𝙧 𝙃𝙤𝙪𝙨𝙞𝙣𝙜 𝙇𝙤𝙖𝙣
▪️ You can use it if you're going to loan a house

6. 𝙈𝙪𝙡𝙩𝙞-𝙋𝙪𝙥𝙤𝙨𝙚 𝙁𝙪𝙣𝙙
▪️ You can give it as a gift, wedding fund, buy a car, build a business, property and many others

7. 𝙇𝙀𝙂𝘼𝘾𝙔 𝙂𝙞𝙛𝙩 𝙁𝙤𝙧 𝘼 𝙇𝙞𝙛𝙚𝙩𝙞𝙢𝙚
▪️ Your family will never forget you and what you've set-up for them

Credit to the owner
PM ME FOR A FREE ZOOM CONSULTATION! 💛

🔥 Why You Need an Emergency Fund: Tips for Building Your Safety Net

Did you know that having an emergency fund is an essential component of achieving financial independence? Have you ever found yourself in a financial bind, wishing you had some extra cash to fall back on? Whether it's a job loss, a medical emergency, or a car repair, unexpected expenses can throw a wrench in even the best-laid financial plans. That's why it's crucial to have an emergency fund to help you weather life's storms.

We cannot stress enough the importance of having an emergency fund as part of a sound financial plan. An emergency fund is a reserve of cash set aside to cover unexpected expenses or to help support you during times of financial hardship. It is a critical component of a healthy financial foundation that can provide peace of mind and prevent the need to turn to credit cards or other high-cost sources of financing in times of need.

From a psychological standpoint, having an emergency fund is beneficial in a number of ways. It can provide a sense of security and stability during times of uncertainty, and it can demonstrate financial responsibility to others. Moreover, it can provide a sense of control and empowerment in the face of unexpected financial challenges.

When it comes to building an emergency fund, it is important to start small and be consistent. Begin by setting aside a set amount of money each month, and gradually increase this amount over time. It is also important to keep the funds separate from other accounts, to ensure that they are not used for non-emergencies.

💡 Tip: Automate your savings:
Set up an automatic transfer to your emergency fund each month to ensure you're consistently building your savings.

Having an emergency fund is an essential part of financial independence. By building and maintaining an emergency fund, you can ensure that you are prepared for unexpected financial challenges and can avoid relying on high-cost financing options. As always, We’re here to help you achieve your financial goals. Follow me and our page Rich With Joy for more tips and strategies on financial planning and achieving financial independence.

If you found this post helpful, please share it with your friends and family. And don't forget to like our page for more financial tips and insights
Ctto: Rich With Joy

𝗜𝗧’𝗦 𝗢𝗙𝗙𝗜𝗖𝗜𝗔𝗟! 🏆🤩🥳

𝗢𝗡𝗖𝗘 𝗔𝗚𝗔𝗜𝗡, 𝗦𝗨𝗡 𝗟𝗜𝗙𝗘 𝗜𝗦 𝗧𝗛𝗘 𝗡𝗨𝗠𝗕𝗘𝗥 𝟭 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗖𝗢𝗠𝗣𝗔𝗡𝗬 𝗜𝗡 𝗧𝗛𝗘 𝗣𝗛𝗜𝗟𝗜𝗣𝗣𝗜𝗡𝗘𝗦!

𝙎𝙏𝘼𝘽𝙄𝙇𝙄𝙏𝙔. 𝘾𝙍𝙀𝘿𝙄𝘽𝙄𝙇𝙄𝙏𝙔. 𝙋𝙀𝙍𝙁𝙊𝙍𝙈𝘼𝙉𝘾𝙀.

#1 in New Business for the year 2022.
#1 in Total Premiums for the year 2022.
#1 in Net Income for the year 2022.
#1 in Assets for the year 2022

Sun Life Philippines is also significantly top in traditional products because our guaranteed return funds are just that EXCELLENT!

Thank you, clients, for making us SH1NE!

Sources:
https://www.insurance.gov.ph/wp-content/uploads/2023/03/Q4-2022-Performance-Life-Assets.pdf
https://www.insurance.gov.ph/wp-content/uploads/2023/03/Q4-2022-Performance-Life-Invested-Assets.pdf
https://www.insurance.gov.ph/wp-content/uploads/2023/03/Q4-2022-Performance-Life-NBAPE.pdf
https://www.insurance.gov.ph/wp-content/uploads/2023/03/Q4-2022-Performance-Life-Premium-Income.pdf

Insurance Commission's Life statistical report for 2021 with 𝐒𝐮𝐧 𝐋𝐢𝐟𝐞 𝐚𝐬 𝐭𝐡𝐞 𝐨𝐧𝐥𝐲 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝐭𝐨 𝐜𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭𝐥𝐲 𝐛𝐞 𝐢𝐧 𝐭𝐡𝐞 𝐭𝐨𝐩 𝟑 𝐢𝐧 𝐚𝐥𝐥 𝐨𝐟 𝐭𝐡𝐞 𝐬𝐭𝐚𝐭𝐞𝐝 𝐟𝐢𝐯𝐞 𝐜𝐚𝐭𝐞𝐠𝐨𝐫𝐢𝐞𝐬!

𝐃𝐨𝐧'𝐭 𝐉𝐔𝐒𝐓 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐢𝐧 𝐩𝐫𝐨𝐦𝐢𝐬𝐞𝐬, but the company's stability, credibility and the capability to deliver their promises by looking at who has the 𝐇𝐈𝐆𝐇𝐄𝐒𝐓 𝐈𝐍𝐂𝐎𝐌𝐄, 𝐀𝐒𝐒𝐄𝐓𝐒 𝐀𝐍𝐃 𝐍𝐄𝐓 𝐖𝐎𝐑𝐓𝐇.
How did your Insurance Company fare in the IC report for 2021?

#𝟏 𝐏𝐑𝐄𝐌𝐈𝐔𝐌 𝐈𝐍𝐂𝐎𝐌𝐄
#𝟏 𝐀𝐒𝐒𝐄𝐓𝐒
#𝟐 𝐍𝐄𝐖 𝐁𝐔𝐒𝐈𝐍𝐄𝐒𝐒 𝐀𝐍𝐍𝐔𝐀𝐋 𝐏𝐑𝐄𝐌𝐈𝐔𝐌
#𝟐 𝐍𝐄𝐓 𝐈𝐍𝐂𝐎𝐌𝐄
#𝟑 𝐍𝐄𝐓 𝐖𝐎𝐑𝐓𝐇




Credits : Let's Grow

“It's better to have it and not need it than to need it and not have it.”

Apply for an insurance coverage habang bata at healthy ka pa. Mas mahirap magpa approve kapag nagkakaedad.

Tara usap tayo ng coverage na fit sayo at sa budget mo. 😊

Angeli Baranda
Sun Life Licensed Financial Advisor
Pinay Wealth Planner

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲?
-Life insurance plans protect your family from experiencing financial burden in case of disability or death. Insurance is by itself already an effective tool for dealing with the financial impact of the various uncertainties in life. Now, it can also serve as a vehicle for accelerating your ability to reach your goals.

𝘐𝘧 𝘺𝘰𝘶 𝘵𝘩𝘪𝘯𝘬 𝘐𝘕𝘚𝘜𝘙𝘈𝘕𝘊𝘌 𝘪𝘴 𝘢𝘯 𝘦𝘹𝘱𝘦𝘯𝘴𝘦, 𝘛𝘏𝘐𝘕𝘒 𝘈𝘎𝘈𝘐𝘕

𝗣𝗠 𝗙𝗼𝗿 𝗮 𝗙𝗥𝗘𝗘 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴. 🙂
Don't wait until it's too late.

Here are the reasons why people buy life insurance:
- To provide for their family in case of death
- To protect loved ones from paying of debts
- To cover funeral expenses
- To pass wealth to heirs
- To provide for a loved one’s education expenses

If you want piece of mind and for your family. Message me to get a life insurance quote. 💛

Angeli Baranda
Sun Life Licensed Financial Advisor
Pinay Wealth Planner

𝗣𝟭,𝟬𝟬𝟲,𝟰𝟱𝟳.𝟭𝟱 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗖𝗟𝗔𝗜𝗠 𝗥𝗘𝗟𝗘𝗔𝗦𝗘𝗗.

"I handed over a MILLION pesos to my friend’s mom last week.

My first insurance claim just got approved. I did not expect it to happen too soon in my career and for it to be for a dear friend (I still couldn't believe it). But this is exactly the reason why one should get insured: unexpected circumstances. My friend was merely 21 years old when she was reunited with our Lord. But even at a young age, she understood the value of being insured.

The million pesos will not bring my friend, a daughter, a sister back nor will it ever be a sufficient exchange for her life—a life that was devoted to serving people and God.

Even as she is now home with our Lord, her mom has this to say, “𝑰𝒕𝒐 𝒕𝒂𝒍𝒂𝒈𝒂𝒏𝒈 𝒂𝒏𝒂𝒌 𝒌𝒐, 𝒉𝒂𝒏𝒈𝒈𝒂𝒏𝒈 𝒔𝒂 𝒉𝒖𝒍𝒊𝒏𝒈 𝒑𝒂𝒈𝒌𝒂𝒌𝒂𝒕𝒂𝒐𝒏 𝒑𝒊𝒏𝒂𝒑𝒂𝒊𝒚𝒂𝒌 𝒑𝒂 𝒓𝒊𝒏 𝒌𝒂𝒎𝒊 𝒂𝒕 𝒈𝒊𝒏𝒂𝒈𝒂𝒎𝒊𝒕 𝒑𝒂 𝒓𝒊𝒏 𝒏𝒈 𝑷𝒂𝒏𝒈𝒊𝒏𝒐𝒐𝒏.”

𝗟𝗶𝗳𝗲 𝗶𝘀 𝘂𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻.
𝗚𝗲𝘁 𝗶𝗻𝘀𝘂𝗿𝗲𝗱, 𝗶𝘁 𝗺𝗮𝗸𝗲𝘀 𝘀𝗲𝗻𝘀𝗲.

ctto Phil David

Which path will you take?

As parents, we only want what it best for our child. Giving them a good education is one of those. But let us face reality- tuition fees are increasing every year so while they are young, start preparing for their future.

But how will you do it?

SAVE, INVEST, and be INSURED!
Secure your child's future with us.
Continue to build a BRIGHTER life for him.

Get a FREE Quote now or send me a message on my personal fb/messanger.

Angeli Baranda
Sun Life Licensed Advisor
Pinay Wealth Planner💛

📷Ctto

The PROS and CONS of an Active & Lapsed Insurance Policy:

PROS of Active Insurance 🙂

1. POLICY IS IN-FORCE - meaning kahit ano mangyari sayo, covered ka pa din nito.

2. PEACE OF MIND - panatag ang isip mo na di maghihirap ang pamilya mo pag tinawag ka na ni Lord.

3. BRIGHTER FUTURE - ang insurance ay hindi insurance lamang, may living benefit ito na magagamit sa pagtanda mo.

4. BENEFITS - ma-eenjoy mo ang living benefit while you are still alive.

5. LESS FEAR - di ka takot sa mga posibleng mangyari gaya ng aksidente sa daan, biglaang sakit.

CONS of a Lapsed Insurance Policy 😢

1. NO BENEFITS - Di mo na magagamit ang ano mang benefits ng insurance na kinuha mo.

2. FEAR AND WORRY - sa buhay, maraming pwedeng mangyari na di inaasahan. Alam nyo na un siguro. Di na kailangan isa isahin pa.

3. BURDEN TO YOUR FAMILY - eto ang masakit lalo na kung ikaw ang inaasahan sa pamilya nyo at lalo na din kung may anak kang binubuhay. Paano na sila?

4. NO COMFORT IN THE FUTURE - pag may kilala ka na di nila na-enjoy ang retirement years nila, magiging kagaya mo sila.

5. LOSS OF MONEY - Sayang ang binayad mo kung di mo lang din tatapusin. Wag "Ningas Kugon".

6. DENIED - Kapag bumalik ka at kelangan mo na baka hindi na pwede dahil may saket kana.

7. LOSS OF TIME - The moment na maiisip mo sayang yung time na lumipas para mag-grow yung money mo sa investment and once kumuha ka ulit the more na lalake ang premium mo.

Think and reflect.

Angeli Baranda
Sun Life Licensed Financial Advisor
Pinay Wealth Planner💛

Ang PAMANA PLAN para sa iyong anak 😊
May pension ka na hanggang age 100

💛SUN SMARTER LIFE ELITE PESO 5/10

Nagbibigay si Sun Life ng 8% GUARANTEED Cash Benefit on 6th year of the policy, and every other year thereafter until age 100.

You read it right! 👍
Magbibigay si Sunlife ng guaranteed 8% ng face amount on 6th year of the policy kada 2 taon ang pagbigay hanggang tumanda ka until age 100. Diba ang ganda, may pension ka na until you reach age 100.

Ano ang PROS ng Sun Smarter Life Elite 5/10:
✅ Double ang face amount upon death of the insured
✅ Meron syang GUARANTEED 8% na endowment benefit
✅ Meron kang dividend (not guaranteed, projected 3%)
✅ Great for child's educational fund from 0 to 10 years old
✅ Ikaw ang bahalang ilipat sa anak mo ang cash benefit, until magka-apo ka, meron makukuha until age 100.
✅ Depende sa laki ng face amount ang laki ng 8% endowment benefit na makukuha
✅ Meron waiver of premium kapag namatay ang nagbabayad ng policy, ibig sabihin secured ang education ng bata kahit mawala ka sa mundo ng hindi inaasahan (God forbid), makakatanggap pa rin siya ng pera until age 100
✅ Okay siya sa taong may hesitations sa VUL, kung hindi sila comfortable iinvest sa stocks ang pera nila
✅ Perfect para sa mga taong sigurista
✅ May paying period na 5 years or 10 years
✅ Merong Accidental Death at Total Disability Benefit

For example if you have
1,000,000 face amount..
8% guaranteed endowment benefit, that is 80,000

Child: 0 year old

6th year : 80,000 + dividends
8th year: 80,000 + dividends
10th year: 80,000 + dividends
12th year: 80,000 + dividends
14th, 16th. . .and so on...until 100 years old!

Be an intelligent and careful investor.
Insure, Secure and Invest.

Let me discuss it with you:
➡️ Income Management
➡️ Educational Fund
➡️ Levels of Health Funding
➡️ Income Replacement/Support Fund
➡️ Retirement Fund Planning
➡️ Savings & Investment Options

Send me a direct message for your schedule! 💛

Angeli Baranda
Licensed Financial Advisor
Sun Life of Canada - Philippines, Inc.
Pinay Wealth Planner💛